If any version of the reform bill includes prohibitions against insurance companies denying a policy based on pre-existing conditions, we will probably see the number of uninsured go up rather than down. Why would someone lay out big bucks for an insurance policy if you are healthy? Why not wait until you have a major illness to get insurance? The net result will be even higher insurance costs since only the unhealthy will be in the insurance pool, thus driving the cost of insurance up.